2019 is shaping up to be a big year for home renovation and remodelling projects. House values are up and the real estate market is still very competitive, which means that more homeowners are looking to enhance their investments by making key upgrades. For some, it’s so they can stay put in their current property, while others are looking to make their home more attractive to buyers. Either way, it’s always wise to make smart upgrades to your home that will increase the value and... [read more]

Whether you are seriously looking for a new home or are casually cruising the open house circuit, seeing listings in person is a great way to assess the local market. It also allows you to experience every aspect of a home and property – from its quality and aesthetics to its feeling and functionality. And while looking at listings online is beneficial, real estate images and video don’t always paint an accurate picture of a house. There is also something to be said for seeing and... [read more]

  Prime leasing opportunity! Listed at $5,300 monthly. MLS #: W4296549  Wonderfully laid-out two bedroom plus den condo apartment with two baths in Erin Mills’ prestigious Parkland on the Glen retirement community. Freshly painted and tastefully appointed with light oak engineered hardwood flooring in the main living area and 9’ ceilings throughout. The fully-equipped open-concept kitchen is a great space to enjoy home-cooked meals with its light oak cabinetry,... [read more]

The months of November through January get a bad rap in real estate for being a difficult time of year for putting a home on the market. But, selling a house during the holiday season does have its advantages.  For one, buyers tend to be more serious because of unusual circumstances, such as a job transfer, or a deadline, like the end of a lease. Secondly, this time of year often sees less competition with fewer active listings, meaning there could be more eyes on your... [read more]

Every day, home buyers across the Greater Toronto Area struggle with a common decision: do they pay more to live in a larger metropolis within walking distance or public transit to work, school and amenities, but live with less square footage? Or do they pay considerably less for a larger suburban house in a car-dependent neighbourhood to gain a bigger backyard or even a detached home?  For some, different values and interests will be the determining factor of whether they remain city... [read more]

In an age of online shopping, apps and do-it-yourself options, it can be tempting to follow a similar approach when buying a home. With so much information readily available online, home buyers – especially first-time ones – feel that they can manage the process on their own.  But, if scouring the internet for listings isn’t netting your ideal home, or you are tired of doing the open house circuit each weekend, why not consider working with a realtor to help you in... [read more]

For buyers looking to purchase a new home direct from a builder, there are many key factors to consider. From floor plans, lots and exposures to structural changes, exterior elements and interior upgrades, buyers need to be strategic in their choices, especially when looking to enhance standard inclusions.  It’s a fine balance between choosing what upgrades you want to make now to save hassle upfront, but then there are budgetary and priority considerations too. Sometimes it pays... [read more]

While the leaves in Southern Ontario are just starting to change, the official start of the fall real estate market was weeks ago. But, if you are thinking of listing your home for sale, it’s not too late. There is still time to take advantage of this hot market and make your move.  And, truthfully, it’s a great time to list: families have resumed regular routines, school is back in swing and potential buyers have the itch to relocate (just like you). To make the most of... [read more]

Perhaps you are still dwelling in the house that you raised your children in or you are tired of being tied to the “living large” lifestyle that you worked so hard to achieve. As you look around your home, you see unused bedrooms, closets filled with belongings, memories in every corner and the garage? Well, you haven’t parked your car in there in years. As you approached your golden years, you expected it would be a time of freedom – a season of rekindling old... [read more]

With the ups and downs of Mississauga's real estate market in the last year, many home buyers and sellers are confused about current conditions. Depending on who you speak to or what you read, there are varying opinions. Some will say that we are now in a seller’s market, while others will say that it’s a buyer’s market. Then there are those folks who are adamant that recent regulations have made it more balanced. Knowing where the real estate market stands can be... [read more]

On a hot summer day, nothing beats jumping into a refreshing swimming pool to cool off. It’s why so many homeowners dream of buying a home with a pool. But, aside from relaxing on a lounger or splashing around in the water with the kiddos, there are some things to consider about pool ownership when buying and selling a home. Let’s dive in (no pun intended), shall we?  Considerations for Sellers: If you plan to list your home once pool season is over, ensure that you have... [read more]

We’ve all heard the saying before, “Location, location, location.” And, when it comes to buying a home, location is everything – not only for investment purposes, but for the overall enjoyment of your lifestyle.  But, whatever location works best for you will differ from someone else. It’s a very personal decision that should fit your needs, your family and your budget. Heavy research and consideration is recommended because you can change nearly everything... [read more]

Making the huge decision to sell your home is never easy, even if it’s the practical choice that you know is right. There are market conditions to consider, fiscal situations to factor, basic needs to assess, as well as the big question of, “Where to next?” You need to be sure that you are ready in every sense of the word – financially, mentally, emotionally and physically.  Here are five indicators that I commonly see in my role as a real estate sales... [read more]

Like most millennials, you’re in the stage of life where you are moving on from being a student and into your professional career. You may also feel weighed down by student loans and high costs of living, especially if you reside in the city. You might also be ready to purchase your own home in the near future.  Like every other generation of home buyers, you share the same concerns of saving for a down payment and securing a mortgage at a good interest rate. However, millennials... [read more]

If you are a first-time home buyer, a downsizer or move-up buyer, the thought of working without a realtor to find your next home may have crossed your mind. Perhaps you had a negative experience in the past or you feel well-equipped to manage the house hunting process on your own? Regardless, searching for a property without a real estate sales representative may not be in your best interest. For starters, purchasing a home is a big deal – and, in some cases, it may represent the... [read more]

If you are ready to put your renting days behind you or perhaps it’s time to fly the family nest, getting pre-approved for a mortgage might seem like a logical first step. And it is – but, it also comes with an additional consideration that excited first-time buyers can forget: knowing just how much they can afford. Now, you may think, “I know how much I can afford because my mortgage advisor pre-approved me for $325,000.” And that is correct, somewhat. During the... [read more]

If you’ve ever watched real estate shows on HGTV or chatted with friends and family who have recently sold a home, you likely know that home staging is all the rage. But, this isn’t just a trend or fad – staging has been proven to help people sell their homes faster and for more money.  Its overall goal is to help prospective buyers emotionally connect with a space, hopefully leading to an offer to purchase. And home staging isn’t just for the rich and famous... [read more]

While the weather is slow to warm up in Southern Ontario, the spring real estate market is certainly making up for it. As you drive around Mississauga’s neighbourhoods, like Clarkson, Port Credit, Erin Mills, and Streetsville, FOR SALE signs are popping up with SOLD signs soon to follow. Buyers are looking to get a head start on their real estate buying and sellers are eager to stage, list, and accept a firm deal. It’s going to be a great spring market – no doubts about... [read more]

With spring just a few weeks away, many people find themselves dreaming of their summer plans. For most Southern Ontarians, that means time at their favourite lake or resort up north, or even a rental down south. This is also the season when vacation home buyers look to make their move on a second property.  If you've been thinking of buying a cottage, chalet or condo on the beach, here are four important questions to consider: How often will you use it?  Most vacation... [read more]

Whether sellers are listing their houses for the first time or revisiting the market after a break over the winter, spring is a popular time for homeowners to list their properties. It's a busy season and one with heaps of competition - everyone is vying for that coveted SOLD sign.  As such, it's important for sellers to be in prime showing position well before the market reaches its peak.  Thinking of selling your Mississauga home this spring? Here's what you can do... [read more]

Perhaps you are a first-time home buyer, or maybe you are looking to sell your current house to move into something better suited for your family. Either way, the spring real estate market is gearing up and you need to be ready. This is an exciting time of year in the industry for everyone buying and selling homes. But, it can also be chaotic and fast-moving, so here are some tips to get you fully prepared.  Get Pre-Approved for a Mortgage  You will want to start off by setting up... [read more]

If you’re getting ready to list your Mississauga home for sale, you’ve likely wondered what you can do to freshen it up, so you can sell quickly and for top dollar. The answer is simple: paint! As a home buyer yourself, you may know how easy it is to be distracted by outdated colours, marked up walls and chipped paint when you visit open houses. Even though we’re supposed to see beyond these things, it can be hard. You don’t want buyers to feel like this in your... [read more]

In an earlier blog post, we touched on features that buyers are looking for when purchasing a home. Those include hardwood floors, kitchens, bathrooms and income potential. However, there are some features or improvements that buyers tend to gloss over or – simply put – run away from.  If you are thinking of selling your home, here are five projects that you can skip before listing: Carpeting While wall to wall carpeting is soft underfoot and warmer for the toes,... [read more]

Homeowners are sometimes hesitant to upgrade their house before they sell. After all, you only plan to live there for such a short time – why make improvements that you won’t get to enjoy? Think again – think about the pool of prospective buyers that you want to attract to your listing.  In fact, the cost of inaction can be far greater than the small investment you make into any home improvement project prior to selling. It can mean the difference between getting... [read more]

For the average seller, keeping your home “show ready” can be a challenge. But, when you add children to that equation, it can feel downright impossible. There are toys, clothes, gear and books to contend with and let’s not forget schedules, like naps and early bedtimes.  But, rest assured, with some careful planning and consideration, it doesn’t have to feel like a dreadful feat. There are some tips that you can employ to make the entire home selling process... [read more]

For most buyers, they want a home with ample space. They especially want to know that they’re going to have room for everything (and everyone) and not grow out of their new house too quickly. That means, as a seller, you want to make sure that your home appeals to this need by appearing larger than it is.  Here are some ways to make that happen: Ditch the clutter Clutter takes up visual space and turns open, airy rooms into jumbled messes. When showing your home, remove items... [read more]

A common question that realtors often hear from their home buyers is: “When do we get our keys?” Closing day is an exciting time, so the eagerness to move in and start unpacking (or swinging the sledgehammer) is understandable.  But, there is no easy answer to this question, as a series of steps need to happen before a lawyer will release the keys: 1. First, the bank needs to transfer funds to the lawyer’s trust account. Let’s say your transaction includes the... [read more]

The moment has arrived – you have the keys to your new home in hand! The first thing you do is start carrying in boxes, loading in furniture and slapping some new paint on the walls, right?  Wrong! This is not what you are supposed to do.  Before you even think of opening a box, here is a list of things to check: 1. Are all the inclusions in the house, like the fridge, stove, washer, dryer or any other items that you had in your Agreement of Purchase and Sale? Sometimes... [read more]

In October 2017, the Office of the Superintendent of Financial Institutions (OSFI) introduced new rules on mortgage lending. With these regulations, OSFI is setting a new minimum qualifying rate, or “stress test,” for uninsured mortgages. The new guidelines now require federally regulated financial institutions to vet applicants for uninsured mortgages by using a minimum qualifying rate equal to the greater of the Bank of Canada’s five-year benchmark rate (currently 4.89... [read more]

Whether you are renovating your kitchen because you have plans to stay in your home for the long haul or you are updating for resale, it’s always best to use quality materials that will stand the test of time and provide a great return on investment should you decide to sell. Before you swing that sledgehammer, here are some common mistakes to avoid: Installing Laminate Countertops While laminate countertops are the most affordable option, they aren’t the best choice when it... [read more]

One of the key benefits of working with an Accredited Senior Agent (ASA) is the robust network of experts that we can draw from. These are professionals that understand the unique needs of seniors as it relates to the buying and selling of homes, as well as other factors, like health, finance, legal and more. The network of an Accredited Senior Agent (ASA) may include: Senior Move Managers – these professionals are experienced in sorting out clutter and understanding the value of a... [read more]

When choosing a realtor who specializes in working with seniors, certifications are important, but they don't tell you everything that you need to know about the person. When looking for an Accredited Senior Agent (ASA) in Mississauga, here are some tips to keep in mind: Tap into your network If you can, turn to your network of trusted peers and ask for recommendations. Someone you know may have worked with a Mississauga Accredited Senior Agent (ASA) in the past and had a very positive... [read more]

When choosing which Accredited Senior Agent (ASA) to work with, it’s important that you talk with each prospective realtor to see if they are a good fit for your needs. You not only want them to have the appropriate accreditations and professional experience to help you sell or buy your next home, but you also want them to have a good rapport, solid references and a kind, caring attitude.  Here are some questions to consider asking: How long have they worked in real... [read more]

Retirement communities in Mississauga offer graded levels of care to meet the varying health needs and lifestyles of seniors.  They range from hands-off care to very hands-on care, usually in this order: •    Active adult living or "55-plus living" •    Independent living •    Assisted living •    Long-term care  Some seniors’ residences will only specialize in one level of... [read more]

One of the greatest benefits of living in a retirement community is the access to on-site health and safety services. However, different communities will offer different amenities, so it’s important to ask what’s included in your monthly rental costs or living package. Here are some common services that you can expect to find in most Mississauga retirement communities: •    On-site doctor or a doctor who visits residents regularly •   ... [read more]

In a recent blog post, I shared typical medical and safety services often offered in Mississauga retirement communities. However, there are instances when residents may need to seek care outside the scope of what a retirement home can offer, sometimes in the form of home hired care or one-on-one care. Luckily, for seniors living in Mississauga, there's a range of outside care options. Two of the area's largest and most advanced hospitals – Credit Valley Hospital and Trillium... [read more]

While health and wellness are core functions of retirement communities, they are not the only ones. Many seniors also explore retirement living for the social benefits. Almost all communities in Mississauga devote resources towards keeping seniors active and social, but some residences make it a higher priority by creating daily activity plans and full recreation programs based on the interests of their residents. Popular activities include: •    Movie... [read more]

While health and wellness are core functions of retirement communities, they are not the only ones. Many seniors also explore retirement living for the social benefits. Almost all communities in Mississauga devote resources towards keeping seniors active and social, but some residences make it a higher priority by creating daily activity plans and full recreation programs based on the interests of their residents. Popular activities include: •    Movie... [read more]

Aside from its many recreation and social activities, which we discussed in an earlier blog post, Mississauga also offers seniors a range of transportation services for those who are no longer able to drive or would prefer not to drive.  For seniors living in a retirement community, many residences will offer their own internal transportation system or have volunteers who are available to drive residents to appointments and outside activities.  But, for independent seniors who... [read more]

When researching for retirement communities in the Greater Toronto Area (GTA), it can feel like an overwhelming task, especially if your criteria is too vague or large in scope. That’s why, as an Accredited Senior Agent (ASA), I always encourage my clients to have an idea of the services/amenities they want in a residence, along with an ideal price range and desired location. From there, it’s much easier to narrow down choices and zone in on potential communities. Once... [read more]

Whether you are searching for a retirement residence for yourself or a loved one, it’s important to ensure that you choose a community that is licensed and regulated. Each province in Canada has their own retirement community association, but for residences in Mississauga and throughout Ontario, all are licensed and regulated by the Retirement Homes Regulatory Authority (RHRA).  The RHRA maintains standards in Ontario’s retirement community industry... [read more]

Get ready property owners – interest rates could increase this fall. Recent data shows strong growth in all areas of the Canadian economy, including employment, exports and consumer demand. As a result, the Bank of Canada may look to increase interest rates.  Earlier in July, the bank already hiked rates, bringing the benchmark rate from 0.50% to 0.75%. Economists at BMO Capital Markets believe the next rate hike is set for October, and that the benchmark rate is going to move a... [read more]

For the first time in over four years, the average house price in Canada is lower than it was a year earlier — a sign that tougher housing rules and rising mortgage rates are cooling the once overheated housing market.  In July, the average house price in Canada was $478,696, down 0.3 percent from the same month a year earlier. In Toronto, however, the average price of $746,218 is still 5 percent higher than a year ago. But, it has fallen by about 19 percent since April, when... [read more]

Chances are, if you’re selling a home, you’ll receive a conditional offer; and if you’re buying a house, you might just make one too. Conditional offers are very common on both sides of real estate whether you are the seller or the buyer – and they are very important to understand. So, what is a conditional offer? Simply put, it’s an offer to buy a property, but with conditions that must be addressed first. Condition of Home Inspection One of the most common... [read more]

If you're prepping your home for sale, you’ve probably made a list of items to tackle around the house, like decluttering your rooms, touching up paint and fixing any areas that need immediate attention.  But, there’s one important task that sellers sometimes forget and that’s making sure their home has a crowd-pleasing scent. That’s right – it needs to smell nice!    So, what exactly is a crowd-pleasing scent? Well, a home’s aroma... [read more]

Did you sell a principal residence in 2016? If so, you should know that there is a new rule requiring taxpayers to report the sale of principal residences, whether taxes are owed or not. Prior to this regulation, the sale of a primary residence was exempt, which eliminates a potential capital gain. As a result, there was no need to report it. But, starting for the 2016 tax year, Canada Revenue Agency now requires this information. You must report basic information, such as date of... [read more]

If you are planning a renovation to a home built before the 1990s, you need to be aware of asbestos and the threat that it can pose to you and your family.  Found in more than 3,000 building products up until the late 80s, asbestos can literally be hiding in plain sight. Left untouched, it’s harmless, but once you disturb the material during a renovation or demolition, it can be inhaled, causing serious health problems, lung disease and cancer.  Before you or your... [read more]

In today’s competitive Greater Toronto Area (GTA) real estate market, it’s imperative for home buyers to have a winning strategy to ensure a successful outcome. And, with it being largely a sellers’ market, a buyer’s strategy needs to be even more cutting-edge, employing different techniques than they normally would in a balanced or buyers’ market. In a sellers’ market, it’s not uncommon to see a multiple offer situation, which often leads to a sale... [read more]

When it comes to moving, many people choose to hire a company to do the heavy lifting for them. For most, it is money well-spent as the physical process of moving is both exhausting and stressful.  But, when choosing a mover, you’ll want to do your research to ensure that you hire a reputable company. According to Consumer Protection Ontario, the Ministry of Government and Consumer Services received 294 complaints about moving companies in 2015 – and many more likely... [read more]

Do the terms ‘chattel’ and ‘fixture’ have you scratching your head? Can’t tell which one is what? Don’t worry – many homeowners have this question as they are preparing their home for sale, as do buyers who are looking to make a purchase. You may have heard the saying: “If it takes a tool, that’s the rule.” In other words, if the item is so attached that it requires a tool to remove it, then it’s presumed to be a fixture. If... [read more]

We read about it in the papers, we hear about it on the radio, we talk about it around the water cooler and we watch it on our local news stations – housing predictions are everywhere. In fact, the national housing market is a topic of conversation no matter where you live in Canada – right here in Mississauga, to Vancouver, B.C. and all the way east to the Maritimes. And, with housing predictions, come many questions. Will home prices go up? Will new mortgage rules cool home... [read more]

Tired of living with mess and clutter, but don't know where to begin? Here are eight simple decluttering tips to help you reclaim your space without losing your mind: Don’t dawdle For many homeowners, the hardest part is getting started – and, in most cases, procrastination is the root cause of clutter in the first place. After one delayed decision after the next, it begins to pile up and overwhelm sets in. Rather than avoiding that stack of old bills, overflowing closet... [read more]

When it comes to selling your home, buyers’ first impressions are critical for a quick sale. But, if they find that your home has been smoked in, that could be a deal breaker for them. Not only is the smell unpleasant, but the discolouration to the walls and ceilings can be difficult to remove and it can also damage a home’s HVAC system. Smoking in your home can also reduce the value of your property. In fact, according to a 2013 Pfizer Canada survey of Ontario and... [read more]

With spring just around the corner, many Greater Toronto Area homeowners find themselves itching to start a renovation project. And, while many renos can improve the value of a home, there are times when unusual or excessive renovations can have the opposite effect. That’s why it’s always advisable to consult with an experienced real estate professional before you start any major project, even if you don’t have immediate plans to sell your home. Why? We can offer advice on... [read more]

A general home inspection is always advisable when buying a home, but you still may need to tap into other experts to make a sound purchase decision: 1.    HVAC Inspector  Broken furnace? Inefficient air conditioner? An HVAC expert can reveal repairs that may not be visible on a walk-through, and provide analysis of upcoming repairs and potential problems.  2.    Structural Engineer Large crack? Doors won’t close? This could be a sign of... [read more]

Your home may be exactly what you need right now, but how about in 10 or 20 years? Nowadays, more people are thinking ahead to their golden years by making modifications to their homes so they can age-in-place. In fact, a recent survey by the remodelling website Houzz found that 20 percent of staying-in-place seniors remodelled a kitchen last year and, of those, 60 percent made upgrades with ageing in mind. Among the quarter of seniors who upgraded a bathroom, 69 percent made... [read more]

When helping a parent or loved one downsize, it can be a very trying time – there are difficult decisions to be made, changes to be had and unknowns to be encountered. So, how does one make the process as easy and stress-free as possible? Here are a few tips:   Allow your parents to make choices  Rather than control the process or make decisions on behalf of your parents, be sure to involve them in the decision-making process so that their needs and wishes are heard. Keep... [read more]

Maybe you’re considering putting your home on the market or are interested in finding your next home? Either way, have you ever wished you could meet with a real estate sales representative in order to have your questions answered and develop a rapport before jumping in with both feet?   Well, you can! Simply send me a message by clicking here and we can set-up a time to chat casually over coffee or tea. As an experienced realtor serving Mississauga and the Greater... [read more]

One of the things that lenders consider when deciding whether or not you are a good candidate for a mortgage loan is your credit score. This number is a measure of your overall financial health and shows lenders the level of risk they will take on if they give you a loan. Credit scores range between 300 and 900. Anything above 700 shows that you manage your credit well and should make a lender feel comfortable approving your loan. A lower credit score, however, shows that you have mismanaged... [read more]

Just because you signed on for a longer amortization period, with payments scheduled well into your older age, doesn’t mean you have to be a slave to mortgage payments. There are easy and effective ways to save on interest, while paying your mortgage down faster. Here are three simple strategies to consider: 1. Biweekly payments Instead of making payments once a month, you can ask your mortgage lender to accept biweekly payments, dividing the monthly amount in half. With this... [read more]

Buying your first home (or your second, third or fourth) can be an exciting and memorable time in your life, but it can also be intimidating. After all, a home purchase is likely the largest investment you will ever make. You want to ensure your decision that is not only smart, but sound.  That’s why you should always hire an experienced realtor – one you can trust to guide you along the best possible path towards homeownership, so you don't take any missteps along the... [read more]

I’m sure you’ve heard this before – when you are selling your home, it’s all about first impressions. And, just like a book, home buyers are going to judge your home by its cover – both in-person and online.  One of the best ways to combat this reality is by investing some time and energy into staging your home. Of course, you can hire a professional to get the job done, but most homeowners are eager to tackle this on their own using the pieces that they... [read more]

Many people think that serious defects in a home are easy to spot. But, the truth is, often the most serious and costly problems can only be detected upon very close inspection. When you are considering buying a home, look for the following six telltale signs of serious problems, which could spell expensive repairs: 1. Roof Leaks are the most common problem with roofs and are tough to detect from the outside. However, from inside an attic, you can often see watermarks, which are a sign of... [read more]

With proper due diligence and the right real estate sales representative on your side, buying a fixer upper can be both a satisfying experience and a smart investment. But, there are some important considerations to keep in mind to ensure a smooth buying experience, followed by a trouble-free ownership experience: Location A fixer upper in a fantastic neighborhood is sure to pay big dividends for the savvy buyer – especially one working with an experienced realtor who knows the ins... [read more]

In my work as an Accredited Senior Agent (ASA), this is a common question that I hear: should I move or should I stay? There is no easy answer to this question because: 1.    It is a personal decision based on many factors 2.    Everyone is unique 3.    There are no two identical clients 4.    What works for one person or family, likely will not for another But, there are some things to consider to help you decide... [read more]

For many seniors, retirement is an open door to living life with more freedom – to travel more, engage in hobbies, enjoy a slower pace and spend time with loved ones. But, for some seniors, their family may live far away in another city or in a different part of town, which can make regular visits a challenge.  That’s why, in my role as an Accredited Senior Agent (ASA), I often find myself helping seniors not only downsize, but relocate to be closer to their adult... [read more]

If you have decided that you would like to downsize or that the time to sell the family home has come, one of the first things you’ll need to do is to find the right real estate sales representative to work for you. And, in real estate, like any other profession, there are those who work with certain clients and have the training and expertise to serve specific niche markets. For example, some realtors choose to work specifically with first-time buyers, new Canadians, investors or... [read more]

Whether you are buying your first home or your fifth, the house hunting experience can be very exciting and full of possibilities, but also overwhelming too. So, before you start driving around aimlessly from one open house to the next, consider these five house hunting tips first: 1. Get Pre-approved for a Mortgage Getting pre-approved for a home loan is one of the best things to do before putting an offer on a house, especially if you are in competition. Not only does it show the home... [read more]

As the holiday season is quickly approaching, many people are busy decorating their homes, shopping for gifts, lighting the tree and filling their calendars with gatherings and other social engagements. With the busyness of the season, you may be wondering if the holidays are a good time to sell your home. You might have questions like: Will there be a market of motivated buyers?  Will potential buyers view my listing online or visit my open house?  Is it worth the... [read more]

Are you tired of renting or living in your parents’ basement? Thinking it might be time to purchase your first home? Here are five provincial and federal programs that can help you ease your way into homeownership: Home Buyers’ Plan First-time home buyers have an opportunity to use their RRSP contribution towards a down payment, using the Home Buyers’ Plan (HBP). Under this federal program, you can withdraw up to $25,000 from any RRSP account, as long as those savings... [read more]

Great news for first-time home buyers in Ontario! The provincial government announced earlier this week that they will double the first-time homebuyers’ maximum Land Transfer Tax refund to $4,000.  This increased rebate will take effect January 1, 2017, and will mean that eligible home buyers in Ontario will not pay Land Transfer Tax on the first $368,000 of their home’s purchase price. The current land transfer tax rates and their brackets... [read more]

What is an Accredited Senior Agent (ASA)? An Accredited Senior Agent (ASA) is a real estate sales representative who is uniquely qualified to assist seniors in housing transactions, including home sales and purchases.  To earn our designation, we must successfully complete a series of educational courses on how to help seniors and their families with later-in-life real estate transactions.  We also draw upon the expertise of a network of senior specialists,... [read more]

As individuals, we are all unique. We have our own likes, dislikes, wants and desires and this often spills over from our daily lives into major life decisions, such as buying a home. And, no matter what shape or size your living space is, the concept and feeling of home means different things to different people.  For some, it’s more tangible, like the layout or number of bedrooms in a home, while, for others, it’s more emotional, like the feeling a home provides when... [read more]

Staging your kitchen before placing your home for sale on the real estate market can make the difference between a quick sale or a sale that lingers. After all, beautiful and functional kitchens do rank high with home buyers, so you want to be sure that your space showcases itself very well. Here are 12 simple tips to help your stage your kitchen before you sell your home: 1. Have your kitchen professionally cleaned Hiring a professional to thoroughly clean your kitchen is one of the... [read more]

As a home buyer, it can be hard to know how much house you can afford – especially in markets like Toronto and Mississauga where home prices have increased a great deal over the last number of months.  Before you even start looking for a home, you need to know exactly how much house you can afford – otherwise, you could spend time looking at property listings that are over and above your price range. If that happens, it's hard to see past the disappointment... [read more]

When buying a home in the Greater Toronto Area, there are many factors to consider, such as location, layout, square footage, lot size, exposure, finishes and more. Oftentimes, the fine details, like granite countertops, hardwood flooring and updated kitchens or baths, grab a buyer’s attention. But, there is one important detail that all buyers must remember when purchasing a new home – and that’s walkability.  Walkability goes above and beyond a great... [read more]

On October 3, 2016, the federal government’s Minister of Finance Bill Morneau announced that non-residents will no longer be able to avoid capital gains taxes on residential home sales by declaring them as their principal residences.  This is just one initiative designed to cool the housing markets in cities, such as Vancouver and Toronto, and to also slow the flow of foreign wealth into the Canadian real estate market. In addition to this change, Morneau also announced new... [read more]

If you were wondering if Mississauga’s housing market might cool off near the end of the summer, well – it’s not. In fact, the opposite rings true with home prices increasing across the city. According to Larry Cerqua, President of the Toronto Real Estate Board (TREB), Greater Toronto Area (GTA) realtors reported a record 9,813 sales through TREB's MLS system in August. Sales were also up 23.5% from August 2015. However, with these numbers, it’s... [read more]

Across the Greater Toronto Area, and especially within Mississauga, the number of buyers searching for their dream home greatly outweighs the number of available listings. Competition is one word – fierce. As such, buyers need to stand out from the rest. And, one way to do so is by being pre-approved for a mortgage before making an offer on a new home.   Even in a non-competitive market, getting pre-approved is a great way to know how much you can afford. This extra... [read more]

If you’re like most people, you’ve accumulated a lot of ‘stuff’ over the course of a lifetime. And, like most people, you don’t know what to do with it. In fact, for the majority of senior clients that I work with, this is the most difficult part of the process for them. Quite often, with the exception of a few family heirlooms, neither your adult kids, nor your grandchildren will be interested in these items.  Here are a few ideas on what to do with... [read more]

Buying your first home is loaded with a range of feelings – excitement, overwhelm, enjoyment, fear, anticipation and maybe even some uncertainty. After all, for most people, purchasing a home is the largest investment they will ever make.  To help ease first-time buyers into this next big chapter, here are four tips to consider before diving into homeownership: Be Prepared Before you start looking for your dream home, take a moment to assess your long-term goals to see how... [read more]

For serious home buyers, visiting an open house should be more than just a casual walk-through where you comment on the homeowner’s paint colours and décor choices. Instead, it’s a prime opportunity to not only get a feel for the space, but to also speak directly with the listing agent to get more information on the home.  To make sure that you get the most out of each property tour, here are five essential things to do the next time you attend an open... [read more]

Curb appeal is one of the most important things to consider when listing your home for sale. But, as owners, we can sometimes become blind to the things that potential buyers may notice, like an unruly garden or chipped exterior paint. Even though these issues may seem small, they can make your home look dated or uninviting – two things that can deter potential buyers from wanting to see more. Don’t get caught in the dreaded drive-by trap! Here are five easy suggestions to... [read more]

In today’s hot real estate market, buying a home in Mississauga is no easy task. With historically low inventory levels, bidding wars and an influx of buyers ready to overpay for the next great listing, the competition is downright fierce. What should be an exciting time can feel incredibly frustrating and overwhelming, especially if you don’t have a skilled real estate sales representative in your corner. Here's what a great buyer's agent will do for... [read more]

The journey to homeownership is not always paved in gold. In fact, for many homebuyers, it’s a time filled with great sacrifice as they save each hard-earned dollar to go towards the single most significant transaction that they will ever make in their life – a home! And, according to Bank of America’s 2016 Homebuyer Insights Report, nearly all homebuyers are willing to make big sacrifices to save more money so they can buy their home sooner –... [read more]

When selling your home, you normally have two options – hire a real estate sales representative or stick a “for sale by owner” sign on your lawn. In Mississauga’s booming real estate market, many home sellers are choosing to list privately without the help of a realtor in an effort to save on costs. Depending on the sale price of the home, the commission saved can be upwards of 5%, which translates into tens of thousands of dollars.  This money can go a... [read more]

Choosing to downsize from your home to a retirement community takes advanced planning and an openness to the idea of change. It can be a time in your life that is filled with mixed emotions and uncertainty, especially if you have lived in your current home for a long time. However, there are a number of steps that you can take to make your decision to downsize easier and your transition smoother: Understand the benefits of downsizing to a retirement community It is understandable... [read more]

To rent or buy? That is a question running through many first-time buyers’ minds these days, especially as the real estate market in the Greater Toronto Area (GTA) continues to reach new levels. Conventional wisdom says that homeownership is a better option because it is an investment into your future. With historically low interest and mortgage rates, it’s a good time to consider buying a home.  However, a decision of this magnitude comes down to personal preference... [read more]

As an Accredited Senior Agent (ASA), I hear this question quite often: what is an active adult retirement community? By definition, active adult communities are ideal for people 55+ who don’t want to be viewed as a senior in the traditional sense, but still want all the benefits of downsizing. Typically, these communities offer residents bungalow living or other accessible living arrangements, and provide more freedom and independence. These types of communities are very... [read more]

Buying a home comes with a big price tag – it’s probably the most expensive purchase that you will ever make and it’s also your biggest investment. Aside from the initial purchase price of your new home, there are additional costs that you will incur.  Here’s a list of other possible expenses that you’ll need to save for when buying real estate in Ontario: Mortgage Loan Insurance If you are putting less than 20% of the house value down, you're... [read more]

Today's retirement communities offer retirement living at its best – a way for older adults to design a lifestyle geared towards enjoyment. It’s a time of life where activities, health, interests and relationships are meant to be enjoyed, focused upon and relished. What better place to do that than in a retirement community geared towards your current lifestyle? You might be surprised at how much fuller your life can be! There are a number of benefits when moving into... [read more]

For senior citizens embarking on a late-in-life transition, partnering with an Accredited Senior Agent (ASA) is a smart decision. We have the necessary specialized training and experience to help our mature buyers and sellers with their unique real estate needs. Focused on Counselling From taxation to estate regulations, legal issues and more, an ASA walks clients and their families through all steps of the home transition process. We are here to listen to your... [read more]

When homeowners decide to downsize, it can be an often overwhelming task. As we move on in life, our needs change and, as the years add up, so do our possessions. That’s where “right sizing” comes in – it’s when you make your home fit your lifestyle, instead of the other way around. Here are five tips to consider when right-sizing your home for an upcoming downsize: Tip #1: Prioritize Your Possessions Most of us have spent a lifetime accumulating a variety... [read more]

Whether you are searching for a retirement community for yourself, a parent or a loved one, there are a number of factors to consider in your research. Nowadays, mature buyers have so many options to choose from, including residences that offer independent living options to communities that provide care and support for those that need assistance with daily living. While choosing the perfect retirement community may seem overwhelming, there are ways to narrow down your choices and find the... [read more]

First impressions are everything – especially, when it comes to selling your home. In fact, homes with great curb appeal tend to command higher prices and take less time to sell. Every seller’s dream, right? The good news is that adding to your home’s curb appeal is fairly easy and inexpensive to do. All it takes is a bit of elbow grease, a coat of paint and some colourful greenery, and you have a house that’s ready to welcome potential buyers. Here are five... [read more]

First impressions are everything – especially, when it comes to selling your home. In fact, homes with great curb appeal tend to command higher prices and take less time to sell. Every seller’s dream, right? The good news is that adding to your home’s curb appeal is fairly easy and inexpensive to do. All it takes is a bit of elbow grease, a coat of paint and some colourful greenery, and you have a house that’s ready to welcome potential buyers. Here are five... [read more]

After a long, dark winter, spring has finally arrived in Southern Ontario! With it comes warmer temperatures, longer days and, of course, buyers looking to plant new roots by purchasing a new home! The spring real estate market is proving to be a busy one. If you are looking to sell your home and make it stand out from the rest, staging is a great way to impress potential buyers. Here are some easy tips to help you brighten up your home and make it a welcoming place for the spring real... [read more]

As an Accredited Senior Agent (ASA), I often get asked by mature buyers and their families, “What is life in a retirement community like?” This is a great question and one I love answering because I find there are many preconceived notions about retirement community living. For one, today’s retirement residences are not like those that we think of from decades ago. They are vibrant communities that offer mature buyers a fantastic lifestyle – one with many... [read more]

For many buyers, finding the right home is no easy task. There are so many factors to consider, like what neighbourhood to settle in, what type of property to buy, location – the list goes on. It’s a tough decision that finds the average buyer considering nine homes before even buying! If you are planning on buying a home in the near future, here are some questions to ask yourself before you begin your search: What is your budget? Knowing how much house you can afford will... [read more]

Part of my role as an Accredited Senior Agent is to help mature buyers and sellers learn more about their options when it comes to seniors housing.  Many seniors prefer to live an independent lifestyle in their current home or community with added support from family, friends and external care providers.  However, some mature clients prefer or need a residential care option that provides more support, social interaction, services and amenities geared towards their... [read more]

As a real estate sales representative, I hear this question a lot. And, rightfully so! As a homeowner, your biggest asset is most likely your home. To fully understand your financial position and path, you must have a clear understanding of the value that your home holds, whether you are considering selling or not. There are a number of key indicators that determine the value of your home. Let’s take a closer look at the top four: Location You know how the saying... [read more]

Retirement communities offer seniors a huge range of choice. Whether you are looking for a smaller, more intimate community, or a larger one with more residents to socialize with, there is a retirement community to suit your individual needs. In fact, retirement communities offer residents significant flexibility. Some offer packages which include your accommodations, meals and care, while others offer "a la carte" options to cover only the services you require.    If... [read more]

If you are thinking of a move in the near future, you’ve likely wondered when is the best time to sell. In fact, as a REALTOR®, I get asked this question a lot! Before I provide some insight into this popular question, let’s take a look at the current real estate market in Southern Ontario: Fact #1:  To date, home prices are at an all-time high in Mississauga and the Greater Toronto Area (GTA). Fact #2:  Interest rates and the cost of borrowing are at... [read more]

Your next move should be full of joy and anticipation of the next phase of your life. But, for some seniors, a late-in-life transition is filled with stress, emotional turmoil and negative feelings because they are being forced into a decision or are overwhelmed by the options. It doesn’t have to be this way.  In fact, mature adults have more choice than ever before when it comes to choosing senior housing options in Mississauga and the Greater Toronto Area. By working with... [read more]

Talking to your parents about their senior living options can be difficult. It’s uncharted territory for most families and a topic of discussion that can feel uncomfortable and uneasy.  In fact, a recent Ipsos-Reid poll showed that only 36% of those people with parents or in-laws have discussed retirement living options. This shouldn’t be such a taboo subject, but, unfortunately, it is.  Here are six tips that you should consider before discussing... [read more]

Whether you are a first-time buyer or not, deciding to own a home is a huge milestone! It’s an experience that is fraught with so many questions, variables and decisions that it can often be overwhelming for even the most seasoned real estate buyer. To help you better understand the home buying experience, I’ve outlined eight key steps that you can expect when setting out to purchase a home.  Step 1: Make the Decision to Buy For most people, buying a home is the biggest... [read more]

In Canada, we are very fortunate to have access to many amazing retirement communities that offer residents the best that life has to offer. The cost of these communities varies and depends on a number of factors, including its size, location, accommodations, the type of community and the number of amenities. However, according to the Canadian Mortgage and Housing Corporation, as of 2011, the average cost of retirement communities within Canada ranged from $1909 to $3530.  If... [read more]

Many people consider investing in real estate as a way to build a nest egg and have tenants pay the mortgage. There are many pros and cons to taking this leap. Here are nine things to know before you jump into real estate investing: 1.    Find out how much you can afford  Before you start searching for an investment property, I recommend that all of my clients meet with their mortgage broker first to determine how much money they can afford to borrow responsibly. 2.  ... [read more]

As a real estate sales representative in the city of Mississauga, I’m also proud to say that I am a resident having lived in the area for three decades. Over the years, I have seen our city grow, change and evolve, but one thing has remained the same – Mississauga is a great place to live, work, play and learn! It’s one of Southern Ontario's most vibrant cities and is ranked as the sixth largest city in Canada with a growing population of 713,443. Situated on the shores... [read more]

As we hit the midway point of the year, one thing is for certain – the real estate market in the Greater Toronto Area (GTA) is reaching new levels. According to the Toronto Real Estate Board’s May 2016 Market Watch, there were 12,870 home sales reported through TREB’s MLS® System in the last month. This result represented a new record for May and a 10.6% increase over the same period last year.  In contrast, the number of new listings was down over the same... [read more]

Great news for homeowners in Mississauga looking to register a second unit, such as a basement apartment, in-law suite or secondary unit. The City of Mississauga is now making it easier and less costly to register second units as part of its commitment to increasing access to affordable housing. Just this week, City Council approved a new by-law that will improve the registration process for second units – a move that will help homeowners earn additional income and... [read more]

Each June, Ontario celebrates and recognizes the contributions that seniors make to our communities. This year marks the 32nd anniversary of Seniors’ Month in Ontario. To recognize the important role seniors play, this year’s theme is, “Seniors Making a Difference.” Here’s Mario Sergio, Ontario’s Minister Responsible for Seniors Affairs, with more information regarding this important month: In my work as a Real Estate Sales Representative... [read more]

Nowadays, buyers have more choice than ever before when it comes to buying a home in Mississauga or the Greater Toronto Area (GTA). From condos, townhomes, link homes, semi-detached or detached homes, our community offers a range of home types for real estate buyers. Choosing the right type of home for you or your family is very important. You want to select a property that offers a workable floor plan, ample square footage and enough bedrooms and bathrooms to suit your lifestyle.... [read more]

Deciding to move should be a time full of anticipation and joy for the next phase of your life. But, for some people, especially seniors, the opposite can be true. Oftentimes, it can be a chapter full of anger, stress or sadness when they are being urged to make a move that isn’t their own choice or aren’t ready for. As we age, there comes a tipping point where we can no longer take care of our homes. Many of us know that this time will come for our parents and even us, but... [read more]

On a hot summer day, nothing beats jumping into a refreshing swimming pool to cool off. It’s why so many homeowners dream of buying a home with a pool. But, aside from relaxing on a lounger or splashing around in the water with the kiddos, there are some things to consider about pool ownership when buying and selling a home. Let’s dive in (no pun intended), shall we?  Considerations for Sellers: If you plan to list your home once pool season is over, ensure that you have... [read more]

Homeowners are sometimes hesitant to upgrade their house before they sell. After all, you only plan to live there for such a short time – why make improvements that you won’t get to enjoy? Think again – think about the pool of prospective buyers that you want to attract to your listing.  In fact, the cost of inaction can be far greater than the small investment you make into any home improvement project prior to selling. It can mean the difference between getting... [read more]

In an earlier blog post, we touched on features that buyers are looking for when purchasing a home. Those include hardwood floors, kitchens, bathrooms and income potential. However, there are some features or improvements that buyers tend to gloss over or – simply put – run away from.  If you are thinking of selling your home, here are five projects that you can skip before listing: Carpeting While wall to wall carpeting is soft underfoot and warmer for the toes,... [read more]

For the average seller, keeping your home “show ready” can be a challenge. But, when you add children to that equation, it can feel downright impossible. There are toys, clothes, gear and books to contend with and let’s not forget schedules, like naps and early bedtimes.  But, rest assured, with some careful planning and consideration, it doesn’t have to feel like a dreadful feat. There are some tips that you can employ to make the entire home selling process... [read more]

For most buyers, they want a home with ample space. They especially want to know that they’re going to have room for everything (and everyone) and not grow out of their new house too quickly. That means, as a seller, you want to make sure that your home appeals to this need by appearing larger than it is.  Here are some ways to make that happen: Ditch the clutter Clutter takes up visual space and turns open, airy rooms into jumbled messes. When showing your home, remove items... [read more]

For most buyers, they want a home with ample space. They especially want to know that they’re going to have room for everything (and everyone) and not grow out of their new house too quickly. That means, as a seller, you want to make sure that your home appeals to this need by appearing larger than it is.  Here are some ways to make that happen: Ditch the clutter Clutter takes up visual space and turns open, airy rooms into jumbled messes. When showing your home, remove items... [read more]

A common question that realtors often hear from their home buyers is: “When do we get our keys?” Closing day is an exciting time, so the eagerness to move in and start unpacking (or swinging the sledgehammer) is understandable.  But, there is no easy answer to this question, as a series of steps need to happen before a lawyer will release the keys: First, the bank needs to transfer funds to the lawyer’s trust account. Let’s say your transaction includes the... [read more]

The moment has arrived – you have the keys to your new home in hand! The first thing you do is start carrying in boxes, loading in furniture and slapping some new paint on the walls, right?  Wrong! This is not what you are supposed to do.  Before you even think of opening a box, here is a list of things to check: Are all the inclusions in the house, like the fridge, stove, washer, dryer or any other items that you had in your Agreement of Purchase and Sale? Sometimes... [read more]

Whether you are renovating your kitchen because you have plans to stay in your home for the long haul or you are updating for resale, it’s always best to use quality materials that will stand the test of time and provide a great return on investment should you decide to sell. Before you swing that sledgehammer, here are some common mistakes to avoid: Installing Laminate Countertops While laminate countertops are the most affordable option, they aren’t the best choice when it... [read more]

One of the key benefits of working with an Accredited Senior Agent (ASA) is the robust network of experts that we can draw from. These are professionals that understand the unique needs of seniors as it relates to the buying and selling of homes, as well as other factors, like health, finance, legal and more. The network of an Accredited Senior Agent (ASA) may include: Senior Move Managers – these professionals are experienced in sorting out clutter and understanding the... [read more]

When choosing a realtor who specializes in working with seniors, certifications are important, but they don't tell you everything that you need to know about the person. When looking for an Accredited Senior Agent (ASA) in Mississauga, here are some tips to keep in mind: Tap into your network If you can, turn to your network of trusted peers and ask for recommendations. Someone you know may have worked with a Mississauga Accredited Senior Agent (ASA) in the past and had a very positive... [read more]

When choosing which Accredited Senior Agent (ASA) to work with, it’s important that you talk with each prospective realtor to see if they are a good fit for your needs. You not only want them to have the appropriate accreditations and professional experience to help you sell or buy your next home, but you also want them to have a good rapport, solid references and a kind, caring attitude.  Here are some questions to consider asking: How long have they worked in real... [read more]

Nestled in and around Mississauga are several reputable retirement communities, giving seniors and their families a lot of choice when it comes to selecting senior care options. Here’s a round-up of some of the most popular communities in Mississauga and other surrounding cities: Parkland on the Glen  1665 The Collegeway, Mississauga, Ontario, L5L 0A9 More information The Erinview 2132 Dundas Street West, Mississauga, Ontario, L5K 2K7 More information V!VA... [read more]

Retirement communities in Mississauga offer graded levels of care to meet the varying health needs and lifestyles of seniors.  They range from hands-off care to very hands-on care, usually in this order: •    Active adult living (sometimes called "55-plus living") •    Independent living •    Assisted living •    Long-term care  Some seniors’ residences will only specialize in... [read more]

One of the greatest benefits of living in a retirement community is the access to on-site health and safety services. However, different communities will offer different amenities, so it’s important to ask what’s included in your monthly rental costs or living package. Here are some common services that you can expect to find in most Mississauga retirement communities: •    On-site doctor or a doctor who visits residents regularly •  ... [read more]

In a recent blog post, I shared typical medical and safety services often offered in Mississauga retirement communities. However, there are instances when residents may need to seek care outside the scope of what a retirement home can offer, sometimes in the form of home hired care or one-on-one care. Luckily, for seniors living in Mississauga, there's a range of outside care options. Two of the area's largest and most advanced hospitals – Credit Valley Hospital and... [read more]

While health and wellness are core functions of retirement communities, they are not the only ones. Many seniors also explore retirement living for the social benefits. Almost all communities in Mississauga devote resources towards keeping seniors active and social, but some residences make it a higher priority by creating daily activity plans and full recreation programs based on the interests of their residents. Popular activities include: •    Movie nights •... [read more]

Aside from its many recreation and social activities, which we discussed in an earlier blog post, Mississauga also offers seniors a range of transportation services for those who are no longer able to drive or would prefer not to drive.  For seniors living in a retirement community, many residences will offer their own internal transportation system or have volunteers who are available to drive residents to appointments and outside activities.  But, for independent seniors who... [read more]

Whether you are searching for a retirement residence for yourself or a loved one, it’s important to ensure that you choose a community that is licensed and regulated. Each province in Canada has their own retirement community association, but for residences in Mississauga and throughout Ontario, all are licensed and regulated by the Retirement Homes Regulatory Authority (RHRA).  The RHRA maintains standards in Ontario’s retirement community industry... [read more]

When researching for retirement communities in the Greater Toronto Area (GTA), it can feel like an overwhelming task, especially if your criteria is too vague or large in scope. That’s why, as an Accredited Senior Agent (ASA), I always encourage my clients to have an idea of the services/amenities they want in a residence, along with an ideal price range and desired location. From there, it’s much easier to narrow down choices and zone in on potential communities. Once... [read more]

Thank you for visiting my website - I’m truly pleased to have you here. Working in real estate is an absolute joy. You've likely heard actors say, when they accept their awards, that they feel guilty accepting money for doing a job they truly love. This is exactly how I feel about my profession! It's a career that has given me the opportunity to meet and help many wonderful people sell and buy their homes. There is no greater pleasure than to experience the excitement of a... [read more]